LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,698
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,840
−HK$1,160/mo
Today · 4.125%
HK$39,000
baseline
▲ 0.50% · 4.625%
HK$41,373
+HK$2,373/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,000/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,826
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,921
−HK$1,111/mo
Today · 4.125%
HK$43,032
baseline
▲ 0.50% · 4.625%
HK$45,300
+HK$2,268/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,064/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,038
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,408
−HK$1,391/mo
Today · 4.125%
HK$46,799
baseline
▲ 0.50% · 4.625%
HK$49,647
+HK$2,848/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,598/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,992
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,306
−HK$1,333/mo
Today · 4.125%
HK$51,639
baseline
▲ 0.50% · 4.625%
HK$54,360
+HK$2,721/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,278/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,377
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,976
−HK$1,623/mo
Today · 4.125%
HK$54,599
baseline
▲ 0.50% · 4.625%
HK$57,922
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,198/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,157
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,690
−HK$1,555/mo
Today · 4.125%
HK$60,245
baseline
▲ 0.50% · 4.625%
HK$63,421
+HK$3,176/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,490/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,057
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,112
−HK$2,087/mo
Today · 4.125%
HK$70,199
baseline
▲ 0.50% · 4.625%
HK$74,471
+HK$4,272/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,398/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,487
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,458
−HK$2,000/mo
Today · 4.125%
HK$77,458
baseline
▲ 0.50% · 4.625%
HK$81,541
+HK$4,083/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,916/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,522 · Scale 2, in force from 26 Feb 2026)